Salary Advance Eligibility Calculator

The calculator

The credit card line people leave blank

Enter your card outstanding honestly and watch what happens. Lenders treat roughly 5% of the balance as a monthly obligation, whether or not you clear the bill in full every month. A ₹1 lakh outstanding therefore costs you about ₹5,000 of EMI room — which, on a ₹40,000 salary, is a quarter of everything you had.

This is the single most common reason someone is offered far less than they expected. It is also the fastest thing to fix: paying a card down before applying moves your eligibility immediately, in a way that arguing with the lender never will.

What the calculator cannot know

• Your credit score. This works out affordability. A weak score can reduce the amount further or cause a decline outright — see the low CIBIL page.
• Your employer category. A listed company employee and a small-firm employee on the same salary get different multiples.
• Whether your salary is bank-credited. If it is paid in cash, none of this applies — read the cash salary page first.
• The lender's own product cap. Many cap salary advances at about one month's take-home regardless of what your FOIR would allow.

So treat the result as your ceiling, not your offer. If the number here is small, the constraint is real and no lender will work around it.

Using the result properly

Try three things and watch the number move. Reduce the card outstanding by half. Remove one existing EMI. Extend the tenure by six months. Whichever produces the biggest jump is the lever worth pulling before you apply.

Then check the repayment on the EMI calculator, confirm you clear the five eligibility checks, and read how lenders arrive at the amount. If several EMIs are already running, start there instead — the answer may be to reduce what you owe rather than add to it.

A number here is a ceiling, not a recommendation. The advance salary loan guide covers whether a salary advance suits your situation, which matters more than how much of one you could technically obtain.

Frequently asked questions

Q1. How accurate is this eligibility calculator?
It uses the same FOIR arithmetic lenders apply, so the affordability ceiling will be close. It cannot account for your credit score, employer category or the lender's own product cap, so treat it as an upper bound rather than an offer.

Q2. What FOIR should I enter?
50% is the safe assumption. Some lenders go to 60% for higher salaries or strong profiles; a few are tighter for smaller ones. Entering 50 gives you a conservative, realistic figure.

Q3. Why does my credit card balance reduce the amount so much?
Lenders count about 5% of the outstanding as a monthly obligation regardless of how you pay. It is treated exactly like an EMI you have committed to. Paying the balance down is usually the quickest way to raise your eligibility.

Q4. Do I include rent and household expenses?
No. Lenders assume those sit in the other half of your salary and do not count them as obligations. Include only credit obligations — loans, card balances and anything you have guaranteed.

Q5. The calculator says I qualify but I was rejected. Why?
Affordability is one check of five. A low credit score, a small or unregistered employer, salary paid in cash, or too little time in your current job will all cause a rejection regardless of the arithmetic.

Q6. Is my data stored?
No. Everything runs in your browser. Nothing is transmitted and nothing is saved.